CO-OP's nearly 30,000 ATMs and 5,000+ shared branches means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find CO-OP ATMs & shared branch locations. * surcharge-free transactions are permissible only with debit cards Franklin Trust Federal Credit Union has joined the Sum Program. Get your Franklin Trust Visa Debit card and use ATMs with the Sum logo. There are no surcharges on these ATMs. You can use your Franklin Trust Visa Debit Card when withdrawing cash or when making purchases. Visa Debit Cards are free to F.T.F.C.U. members with checking accounts. Click here to find SUM Program ATM locations.